Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.44% | +0.78 | 0.66% |
| Return on Equity (%) | ▲ | 8.97% | +4.48 | 4.49% |
| Net Interest Margin (%) | ▲ | 2.96% | +0.05 | 2.90% |
| Efficiency Ratio (%) | ▼ | 37.56% | +0.97 | 36.60% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.01 | $1 |
| Cost of Funds (%) | ▼ | 1.58% | +0.02 | 1.56% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $126 | -1.52 | $127 |
| Gross Loans ($M) | ▼ | $57 | -3.09 | $60 |
| Loan Growth YoY (%) | ▼ | 54.63% | -1.39 | 56.02% |
| Total Deposits ($M) | ▼ | $103 | -2.69 | $105 |
| Shareholders Equity ($M) | ▲ | $21 | +2.02 | $19 |
| Tang. Book Value ($M) | ▲ | $21 | +2.02 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +2.35 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 54.63% | -1.39 | 56.02% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.25 | 0.25% |
| Allowance / Loans (%) | — | 1.24% | -0.19% | 1.43% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.53 | 0.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▁▂▁▁▃ | Net Interest Margin (%) | 3.07% | 3.07% | 2.90% | 2.90% | 2.93% | 2.91% | 2.90% | 2.96% |
| ███▁▃▄▇█ | Return on Assets (%) | 1.49% | 1.49% | 1.44% | 0.66% | 0.91% | 1.03% | 1.37% | 1.44% |
| ▁▂█▁▆██▇ | Efficiency Ratio (%) | 36.4% | 36.7% | 37.6% | 36.6% | 37.4% | 37.7% | 37.8% | 37.6% |
| ▄█▃▁▃▁▅▁ | Cost of Funds (%) | 1.66% | 1.81% | 1.65% | 1.56% | 1.63% | 1.57% | 1.69% | 1.58% |
| ▁▁█▂▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 1.06% | 0.25% | 0.07% | 0.00% | 0.00% | 0.00% |
| ▁▁█▃▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 2.00% | 0.53% | 0.14% | 0.00% | 0.00% | 0.00% |
| ▂▁▂▃▅▇▇█ | Tang. Book Value ($M) | $18 | $18 | $18 | $19 | $20 | $20 | $20 | $21 |
| ██▇▃▂▃▃▁ | Gross Loans ($M) | $69 | $69 | $66 | $60 | $60 | $61 | $60 | $57 |
| █▃▃▆▁█▂▃ | Total Deposits ($M) | $108 | $103 | $103 | $105 | $100 | $107 | $102 | $103 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 10% |
| Agricultural | 20% |
| Consumer | 2% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 15% |